Keys Credit Union Key West FL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Keys Credit Union, your trusted financial partner located at 3022 N Roosevelt Blvd, Key West, FL 33040. Established in 1940, we have proudly served our community for over eight decades, providing personalized banking solutions that cater to the unique needs of our members. With a total membership of 18,258 and assets exceeding $249,937,212, we are dedicated to helping you achieve your financial goals. At Keys Credit Union, we understand that banking is more than just transactions; it's about building relationships. Under the leadership of CEO Meagan Sayer and Board President Ronald Demes, our team of 59 employees is committed to delivering exceptional service and support. We believe in empowering our members by offering a range of services, from checking and savings accounts to auto loans and mortgage refinancing. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 3022 N Roosevelt Blvd, Key West, FL 33040. Our financial strength is evident with total deposits amounting to $15,754,199 and a net worth of $27,190,739. We also manage a robust loan portfolio with over 17,159 loans and leases available for our members. This commitment reflects our dedication not only to individual financial success but also to the overall growth of our community. Whether you're looking for straightforward banking options or need assistance with business financing our mission remains clear: supporting you every step of the way. Explore what Keys Credit Union has to offer by visiting us online at keysfcu.org or give us a call at 305-294-6622. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Join Us Today!

If you're looking for a credit union that prioritizes its members' needs while remaining deeply rooted in community values, look no further than Keys. Visit us at 3022 N Roosevelt Blvd or reach out via phone at 305-294-6622. While official correspondence should be sent to 3022 N Roosevelt Blvd, Key West, FL 33040, we welcome you to stop by during our operating hours Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 11 AM to 2 PM for both lobby and drive-thru services. Join us today and experience the Keys difference! Together, let's build a brighter future for you and our community.

Our Evolution

From humble beginnings, Keys has grown significantly over the years. We started with a simple mission: to provide accessible financial services that foster economic growth and improve the quality of life for our members. Today, with total assets reaching an impressive $249,937,212, we stand strong as a trusted financial partner in the community. Our growth reflects not just numbers but the relationships we've built along the way relationships grounded in trust, transparency, and mutual respect. As we evolved, so did our services. We now offer a wide range of options including checking and savings accounts, auto loans, mortgage refinancing, personal loans, credit cards with rewards, and business banking solutions. We also embrace digital advancements that make banking easier for everyone. With features like online banking, mobile payments, and e-statements available to our members, we ensure that everyone can manage their finances conveniently.

Our Mission Statement

At Keys, our mission is clear: we strive to empower our members by providing them with exceptional financial products while actively supporting the communities we serve. We understand that every member's journey is different; thus, we are dedicated to offering personalized service that goes beyond mere transactions. Whether it's helping a family secure their first home or providing financing for local businesses, we are here every step of the way. Our commitment extends into community outreach as well. We partner with local organizations and initiatives aimed at improving lives in Key West and surrounding areas. From sponsoring local events to supporting educational programs, we're more than just a financial institution; we're part of your community fabric.

Branch Location & Accessibility

Accessibility Features

At Keys Credit Union, we prioritize your convenience and comfort. Our branch is designed with accessibility in mind. You'll find ample parking available right outside, along with ADA-compliant features such as ramps and accessible entrances for all members.

Call to Action

We invite you to stop by Keys Credit Union today! If you have any questions or need assistance before your visit, don't hesitate to call us at 305-294-6622. Our friendly team is ready to help you with all your banking needs!

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours to meet your needs. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Friday until 6 PM, and we also have drive-thru service available during those times. Plus, on Saturdays, both our lobby and drive-thru are open from 11 AM to 2 PM for your convenience.

Services Offered

When you visit us at Keys Credit Union, you'll discover a variety of services tailored just for you! From checking and savings accounts to auto loans and mortgage refinancing, we've got everything you need under one roof. Need quick cash? Our ATM service ensures that you can access funds easily. Plus, our drive-thru banking allows for simple transactions without leaving your car.

Member Eligibility

At Keys, we believe that becoming a member is like joining a close-knit community where your financial well-being is our priority. To qualify for membership, you simply need to meet a few friendly criteria that focus on our shared values. If you live, work, or worship in the beautiful Monroe County area, you're likely eligible to join us! We welcome individuals and families alike, and we're excited to offer you access to all the benefits of being part of our community. You can explore more about the eligibility details by visiting http://www.keysfcu.org/membership-benefits. Joining is easy and straightforward. Once you find out that you qualify, simply head over to our account opening page at http://www.keysfcu.org/estatementenrollment to get started. Our team is here to help every step of the way, so don't hesitate to reach out at (305) 294-6622 if you have any questions. Your journey toward better banking starts with us at Keys, located at 3022 N Roosevelt Blvd Key West Fl 33040!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,116,229, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running a retail store where payment processing is smooth and hassle-free. Our merchant services provide just that, allowing you to accept payments easily and efficiently. This means more time focusing on what matters most growing your business and serving your customers. Located at 3022 N Roosevelt Blvd Key West Fl 33040, Key West, FL 33040, we invite you to reach out at (305) 294-6622 or visit us to explore how our tailored solutions can help your business thrive. Let's work together to turn your goals into reality!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs, business banking is crucial. We offer comprehensive solutions including merchant services and business loans to help you grow your venture. Your success is our priority, and we're here to support you with tailored financial tools.

Convenient In-Branch Services

For those who prefer face-to-face interaction, our lobby hours are designed for your convenience open from 9 AM to 5 PM Monday through Thursday and until 6 PM on Friday. On Saturdays, our drive-thru service operates from 11 AM to 2 PM for basic transactions like deposits and withdrawals. At Keys, we understand that everyone's financial journey is unique. That's why we strive to provide personalized service that meets your specific needs. Ready to take the next step? Visit us today at 3022 N Roosevelt Blvd Key West Fl 33040, call us at (305) 294-6622, or check out our website at Key Plaza for more information about how we can assist you!

Credit Cards and Rewards

Who doesn't love earning rewards? Our credit cards with rewards let you earn points on purchases while enjoying competitive rates. It's a great way to maximize your spending power!

Digital Banking Features

In today's fast-paced world, having access to your accounts anytime is vital. That's why we've invested in robust online and mobile banking platforms, allowing you to manage your finances from anywhere. Check balances, transfer money, or pay bills all at your fingertips! Plus, our ATM services ensure you have cash when you need it most, whether you're making a withdrawal or checking your balance.

Personal Banking Solutions

Navigating your financial journey starts with solid personal banking options. At Keys, we offer various checking and savings accounts designed to fit different lifestyles and preferences. Need funds for that dream vehicle? Our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. If you're considering homeownership or looking to refinance, our mortgage loans and refinancing services can guide you through the process seamlessly. And for those unexpected expenses, we provide personal loans and debt consolidation solutions that can help lighten your financial load.

Digital & Online Banking

Key Services

With our 24/7 online banking, you can check your balances, pay bills, and transfer funds whenever it suits you. If you prefer to manage your money from your mobile device, our mobile application makes it easy to perform everyday transactions right from your smartphone. You can even make mobile payments, ensuring you're never caught without cash or cards. For those who enjoy the convenience of paperless transactions, we provide e-statements, allowing you to view your account statements online securely. Plus, with electronic signature authorization, signing documents is as easy as a click, saving you time and hassle. Need to send money to a friend? Our person-to-person transfers feature lets you do just that in seconds, making splitting bills or sending gifts straightforward and quick.

Security and Accessibility

Your security is our top priority. We use advanced encryption technologies to keep your information safe while providing easy access to your accounts. Navigating our services is designed to be intuitive, so whether you're tech-savvy or just starting with online banking, you'll find everything you need at your fingertips. Join us at Keys for a banking experience that blends convenience with peace of mind. With all these features accessible through https://www.keysfcu.org/, managing your finances has never been easier!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 34,115, showing a strong and growing member base that trusts us with their finances. Our net shares amount to $0, highlighting the funds available for lending and investments. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Keys is your trusted partner. Visit us at 3022 N Roosevelt Blvd Key West Fl 33040 or call (305) 294-6622 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 50 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $21,759,408 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors, with $4,104 in used auto loans and $176,333,420 in total loans and leases.

Secure Savings Options

Members' savings are secured through $40,813,874 in share certificates and $25,491,927 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $27,190,739, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,082 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $35,712,567 in used vehicle loans and $24,813,083 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make financing your next vehicle straightforward and accessible.

Business Loans

For business owners, our outstanding commercial loans totaling $3,116,229 provide the capital needed to grow and expand. We understand the unique challenges small businesses face and strive to support local entrepreneurs with personalized service and competitive rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,980,133, make buying or refinancing simple. Whether you are purchasing your first home or looking to refinance an existing loan, our team is here to guide you through each step of the process.

Refinancing Options

If you're interested in refinancing any existing loans for potentially better rates or terms, we have options available. Our team can help assess your current situation and find solutions that work best for you. We invite you to visit us at our branch located at 3022 N Roosevelt Blvd Key West Fl 33040 or give us a call at 305-294-6622 for more information about our loan products or eligibility options. You can also explore our offerings online at Keys Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,763,616 in loans helping members manage their finances effectively. Our credit cards come with various benefits tailored to fit your spending habits while providing you with the purchasing power you need.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to accuracy means that users can trust the information they receive.

Keys